Is Spice Money Adhikari AEPS App Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Spice Money Adhikari AEPS App”
- 🏛️ Deployed by: UGRO CAPITAL LIMITED (PREVIOUSLY CHOKHANI SECURITIES LIMITED) (NBFC)
- 🤝 LSP: Spice Money Limited (Lending Service Provider, per RBI's directory). The loan itself is given by UGRO CAPITAL LIMITED (PREVIOUSLY CHOKHANI SECURITIES LIMITED).
- 📧 Grievance officer: ruchi.girdhar@spicemoney.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Spice Money Adhikari AEPS App — What RBI's DLA Directory Records
| Regulated entity | UGRO CAPITAL LIMITED (PREVIOUSLY CHOKHANI SECURITIES LIMITED) (NBFC) |
| LSP (Lending Service Provider) | Spice Money Limited |
| Entity website | https://www.ugrocapital.com/lending-service-provider#digital-Lending-apps |
| Grievance officer | Ms. Ruchi Girdhar |
| Grievance contact | ruchi.girdhar@spicemoney.com · 1205029428 |
📱 Distributed via: Google Play
Source: RBI — Digital Lending Apps deployed by Regulated Entities (public directory), checked 2026-10-12. Listings are reported by the regulated entities on RBI's CIMS portal without further validation by RBI — a listing is not an RBI endorsement. Always confirm the lender named inside the app matches the entity above before sharing documents.
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❓ Quick Answers
Is Spice Money Adhikari AEPS App loan app safe?
Spice Money Adhikari AEPS App is listed in RBI's public directory of Digital Lending Apps, deployed by UGRO CAPITAL LIMITED (PREVIOUSLY CHOKHANI SECURITIES LIMITED) (NBFC). The listing is reported by the regulated entity on RBI's CIMS portal — always confirm the lender named inside the app matches this entity before sharing KYC.
Which lender is behind Spice Money Adhikari AEPS App?
Spice Money Adhikari AEPS App is deployed by UGRO CAPITAL LIMITED (PREVIOUSLY CHOKHANI SECURITIES LIMITED), a NBFC regulated by RBI. This is the legal lender named in your loan agreement.
Spice Money Adhikari AEPS App customer care / grievance contact?
The grievance redressal officer on record is Ms. Ruchi Girdhar — ruchi.girdhar@spicemoney.com, 1205029428. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Spice Money Adhikari AEPS App?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (ruchi.girdhar@spicemoney.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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